Rates

Term	APR* as low as
Up to 60 months	6.14%
Up to 72 months	6.49%
Up to 84 months	7.14%

Model Year	Term	APR* as low as
Current to 10 years	Up to 60 months	6.14%
Current to 10 years	Up to 72 months	6.49%
Current to 10 years	Up to 84 months	7.14%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Car & Truck Loan payment example: A loan of $30,000 for 84 months at 7.14% APR will have an estimated monthly payment of $455. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Term	APR* as low as
Up to 36 months	5.75%
37 to 48 months	6.25%
49 to 60 months	6.75%

Model Year	Term	APR* as low as
Current + 3 years	Up to 36 months	5.75%
Current + 3 years	37 to 48 months	6.25%
Current + 3 years	49 to 60 months	6.75%
4 to 8 years	Up to 24 months	6.25%
4 to 8 years	25 to 36 months	6.75%
4 to 8 years	37 to 48 months	7.25%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Motorcycle & ATV Loan payment example: A loan of $15,000 for 60 months at 6.75% APR will have an estimated monthly payment of $295. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Term	APR* as low as
Up to 60 months	5.75%
61 to 72 months	6.75%
73 to 84 months	7.75%

Model Year	Term	APR* as low as
Current + 3 years	Up to 60 months	6.00%
Current + 3 years	61 to 72 months	7.00%
Current + 3 years	73 to 84 months	8.00%
4 to 8 years	Up to 60 months	7.00%
4 to 8 years	61 to 72 months	8.00%
4 to 8 years	73 to 84 months	9.00%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Boat, Jet Ski, Watercraft Loan payment example: A loan of $25,000 for 60 months at 5.75% APR will have an estimated monthly payment of $480. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Term	APR* as low as
Up to 60 months	5.75%
61 to 84 months	8.75%
85 to 96 months	9.00%
97 to 120 months	9.25%
121 to 144 months	9.75%

Model Year	Term	APR* as low as
Current + 4 years	Up to 60 months	6.00%
Current + 4 years	61 to 84 months	9.00%
Current + 4 years	85 to 96 months	9.25%
Current + 4 years	97 to 120 months	9.50%
Current + 4 years	121 to 144 months	10.00%
5 to 10 years	Up to 60 months	7.00%
5 to 10 years	61 to 84 months	10.00%
5 to 10 years	85 to 96 months	10.25%
5 to 10 years	97 to 120 months	10.50%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

RV & Fifth Wheel Loan payment example: A loan of $100,000 for 144 months at 9.75% APR will have an estimated monthly payment of $1,181. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Term	APR* as low as
12 Months	10.00%
24 Months	10.00%
36 months	10.00%
48 Months	10.50%
60 Months	11.00%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Signature Loan payment example: A loan of $10,000 for 60 months at 11.00% APR will have an estimated monthly payment of $217. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Account	APR* as low as
Line of Credit	11.99%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Line of Credit payments are 4% of the outstanding loan balance with a minimum payment of $25.

Use an AFFCU Financial Calculator to calculate loan payment amounts.

Term	APR*
6 to 60 months	2.5% above the pledged Share Certificate APY

* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.

Certificate Secured Loan payment example: $5,000 borrowed at 5.70% (2.5% above the pledged Share Certificate APY of 3.20%) for 60 months will have an estimated monthly payment of $97. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Term	APR*
6 to 60 months	2.5% above the pledged Savings Account APY

* APR = Annual Percentage Rate. Membership eligibility required. Rates subject to change at any time without notice.

Savings Secured Loan payment example: $5,000 borrowed at 2.6% (2.5% above the pledged Savings APY of .10%) for 60 months will have an estimated monthly payment of $89. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Visa Platinum Card	APR* as low as
Visa Platinum Card	16.25%

* APR = Annual Percentage Rate. APR based on evaluation of applicant’s credit. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required. Rates subject to change at any time without notice.

Your APR will vary with the market based on the Prime Rate.

Minimum monthly payment due will be the greater of: a) 2.5% of outstanding balance, or b) $10.

Account	Dividend Rates	APY*
Rewards Checking	0.01%	0.01%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Monthly fee $4. Maintaining a minimum balance in the account of $500 during the calendar month will result in the monthly fee being waived. $25 initial opening deposit required.

Term	Dividend Rates	APY*
6-Month	4.165%	4.25%
6-Month Jumbo	4.405%	4.50%
12-Month	4.021%	4.10%
12-Month Jumbo	4.645%	4.75%
18-Month	4.405%	4.50%
18-Month Jumbo	4.600%	4.70%
24-Month	4.213%	4.30%
24-Month Jumbo	4.262%	4.35%
36-Month	3.925%	4.00%
36-Month Jumbo	4.169%	4.25%
48-Month	3.198%	3.25%
48-Month Jumbo	3.441%	3.50%
60-Month	3.442%	3.50%
60-Month Jumbo	3.685%	3.75%
7 Year	3.247%	3.30%
7 Year Jumbo	3.247%	3.30%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required for non-jumbo certificates. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Minimum $100,000 opening deposit required for jumbo certificates. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

Minimum Balance	Account	Dividend Rates	APY*
$5.00	Primary Savings Account	0.05%	0.05%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Limited to six (6) transfers or withdrawals per month.

Minimum Balance	Account	Dividend Rates	APY*
$0.00	Secondary Savings Account	0.10%	0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

No minimum opening balance required. Limited to six (6) transfers or withdrawals per month.

Minimum Balance	Dividend Rates	APY*
Up to $25,000.00	3.00%	3.00%
$25,000.01 and up	1.00%	1.00%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required. Minimum $1,000 daily balance required to avoid $10 monthly service fee. Limited to six (6) transfers or withdrawals per month.

Minimum Balance	Dividend Rates	APY*
Up to $2,500.00	0.60%	0.60%
$2,500.01 - $25,000.00	0.70%	0.70%
$25,000.01 - $50,000.00	1.00%	1.00%
$50,000.01 - $100,000.00	1.15%	1.15%
$100,000.01 and up	1.25%	1.25%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Minimum $1,000 opening deposit required. Minimum $1,000 daily balance required to avoid $10 monthly service fee. Limited to six (6) transfers or withdrawals per month.

Account	Dividend Rates	APY*
Christmas Club	0.10%	0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

No minimum opening balance required. Early withdrawal fee is $10. Early closure fee is $10.

Account	Dividend Rates	APY*
Youth Savings Account	0.10%	0.10%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Account	Dividend Rates	APY*
Student Savings Account	0.10%	0.10%

Account	Dividend Rates	APY*
Student Checking Account	0.05%	0.05%

Minimum Balance	Dividend Rates	APY*
Up to $2,499.99	0.30%	0.30%
$2,500.00 - $9,999.99	0.30%	0.30%
$10,000.00 - $24,999.99	0.30%	0.30%
$25,000.00 - $49,999.99	0.45%	0.45%
$50,000.00 - $89,999.99	0.45%	0.45%
$90,000.00 - $99,999.99	0.55%	0.55%
$100,000 and up	0.55%	0.55%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Minimum $5.00 opening balance required. Rates subject to change at any time without notice.

Minimum Balance	Dividend Rates	APY*
Up to $2,499.99	0.30%	0.30%
$2,500.00 - $9,999.99	0.30%	0.30%
$10,000.00 - $24,999.99	0.30%	0.30%
$25,000.00 - $49,999.99	0.45%	0.45%
$50,000.00 - $89,999.99	0.45%	0.45%
$90,000.00 - $99,999.99	0.55%	0.55%
$100,000 and up	0.55%	0.55%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Rates subject to change at any time without notice.

Term	Dividend Rates	APY*
1 Year	4.021%	4.10%
18 Months	4.405%	4.50%
2 Years	4.213%	4.30%
3 Years	3.925%	4.00%
5 Years	3.442%	3.50%
7 Years	3.247%	3.30%

Minimum $1,000 opening deposit required. APY is based on the assumption that dividends will remain on deposit in the IRA Certificate Account until maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. You should seek the advice of your own tax advisor with respect to your particular circumstances.

Car & Truck Loan Rates: New

Car & Truck Loan Rates: Used

Motorcycle & ATV Loan Rates: New

Motorcycle & ATV Loan Rates: Used

Boat, Jet Ski, Watercraft Loan Rates: New

Boat, Jet Ski, Watercraft Loan Rates: Used

RV & Fifth Wheel Loan Rates: New

RV & Fifth Wheel Loan Rates: Used

Signature Loan Rates

Line of Credit Rate

Certificate Secured Loan Rate

Savings Secured Loan Rate

Visa Platinum Credit Card Rate

Rewards Checking Account Rate

Share Certificate Rates

Primary Savings Rate

Secondary Savings Rate

High Yield Savings Account Rates

Money Market Account Rates

Christmas Club Account Rate

Youth Savings Rate

Student Savings Rate

Student Checking Rate

Traditional IRA Account Rates

Roth IRA Rates

IRA Share Certificate Rates